Pleo vs ZipBooks Comparison
Compare Pleo vs ZipBooks features, pricing, and more.
Last updated: November 2026
Pleo
6.8/10
Pleo is a European spend management platform that gives small and mid-sized businesses company cards, receipt capture, reimbursements and supplier invoice payments.
ZipBooks
5.6/10
Cloud accounting software for small businesses and freelancers, with invoicing, payments, bank feeds, reconciliation and reporting, and a free starter plan.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.8/10 | 5.6/10 |
| Analytics | 6/10 | 5/10 |
| Compliance | 7/10 | 4/10 |
| Cost | 6/10 | 9/10 |
| Customization | 6/10 | 4/10 |
| Ease of Use | 9/10 | 8/10 |
| Integration | 7/10 | 4/10 |
| Scalability | 6/10 | 3/10 |
| Security | 7/10 | 6/10 |
| Support | 5/10 | 5/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | £8/user/mo Start | $15/mo Smarter |
| Estimated cost for 10 users | £80/mo Start | Free Starter |
| Features | ||
| General Ledger | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| Inventory Accounting | Not listed | |
| Invoicing | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
Pleo vs ZipBooks cost by team size
| Team size | Pleo | ZipBooks |
|---|---|---|
| 1 user | £8/moStart | $15/moSmarter |
| 5 users | £40/moStart | $15/moSmarter |
| 10 users | £80/moStart | FreeStarter |
| 25 users | £200/moStart | FreeStarter |
| 50 users | £400/moStart | FreeStarter |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Pleo
- Higher Compliance score (7/10 vs 4/10)
- Higher Integration score (7/10 vs 4/10)
- Better fit for enterprise (4/10 vs 2/10)
Why choose ZipBooks
- Has a free plan (Pleo does not)
- Higher Cost score (9/10 vs 6/10)
- Includes General Ledger, which Pleo lacks
Pros & Cons
Pleo
Pros
- G2 reviewers praise the card and receipt-capture app as easy for employees to use, and Pleo holds a 4.7 rating across roughly 1,400 G2 reviews.
- Per-user list prices are published, starting at £8 per user per month.
- Native accounting integrations cover Xero, QuickBooks, NetSuite, FreeAgent, Xledger and Twinfield.
- SAML SSO is included even on the entry Start plan.
- The UK entity is authorised by the FCA, and cards are issued under a Mastercard licence.
Cons
- Build and Optimise are billed yearly and require at least three users.
- Transaction charges such as FX fees of up to 2 percent and per-payment fees add to the subscription cost.
- Live chat support is only included on Optimise, and Trustpilot reviewers complain about slow support.
- Some reviewers report weak coverage and support in the US.
- It is not an accounting system and has no general ledger, customer invoicing or payroll.
ZipBooks
Pros
- The free Starter plan includes unlimited invoices, customers and vendors.
- Recurring invoices with auto-billing and automated reminders are available from the 15 per month tier.
- Reviewers say new staff can pick up the interface quickly.
- Bank and card transactions sync daily and are auto-categorized for reconciliation.
- Paid tiers cost less than QuickBooks, which reviewers cite as a reason for switching.
Cons
- Reviewers report limited reporting and customization options.
- No inventory or mileage tracking.
- Reconciliation and book locking are reserved for the 35 per month Sophisticated tier.
- Some users report slow support responses.
- A very small company, estimated at about four employees.
Not sold on either?
Frequently Asked Questions
Pleo scores higher on our Finance Software criteria: 6.8/10 against 5.6/10 for ZipBooks. The largest gap is in Compliance: 7/10 for Pleo and 4/10 for ZipBooks.
ZipBooks has a free plan; Pleo does not list one.
Pleo is the better fit for enterprise: we rate it 4/10 for them, against 2/10 for ZipBooks.
ZipBooks has General Ledger, which Pleo lacks.
